HSBC Live+ Credit Card
HSBC India · Visa · Mid card
A rare combination for its price point: genuine everyday-category cashback plus lounge access and low forex, categories most ₹999 cards don’t bundle together.
Households spending steadily across dining, groceries and utilities who also want occasional lounge access.
Terms checked 21 Sept 2026
- Annual fee
- ₹999 + GST
- Joining fee
- ₹999 + GST
- Base reward rate
- 1.5%
- Forex markup
- 2.0%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Dining & delivery | 10% |
| Groceries & essentials | 10% |
| Online shopping | 10% |
| Bills & utilities | 10% |
| Travel & hotels | 1.5% |
| Subscriptions & streaming | 1.5% |
| Beauty & wellness | 1.5% |
| Entertainment & movies | 1.5% |
| Offline store shopping | 1.5% |
| International spending | 1.5% |
| Insurance premiums | 1.5% |
| Education & family | 1.5% |
| Healthcare & pharmacy | 1.5% |
| Other miscellaneous | 1.5% |
| Gold & jewellery | 1.5% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- 10% accelerated cashback: ₹1,200/month
- Annual fee waiver
- At ₹2,00,000 annual spending
- Monthly income requirement
- Approx. ₹50,000/month salaried · ₹1,00,000/month self-employed
Airport lounge access
2 domestic airport lounge visits per year • 1 international airport lounge visit per year
2 domestic airport lounge visits per year · Issuer card
Guest access: Not specified
1 international airport lounge visit per year · Issuer card
Guest access: Not specified
Fulfilled through the current Visa lounge programme.
Movies and entertainment
BookMyShow · Buy one, get one · up to ₹250 · 1 use/month
Availability: Valid for eligible Saturday bookings through 30 September 2026, subject to the first 2,000 monthly redemptions..
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 3 items
Dining, grocery, shopping and utility cashback
Usage-based value10% applies to eligible dining, food delivery, grocery, shopping and utility transactions under issuer MCC classification.
Other eligible cashback
Usage-based value1.5% applies to other eligible purchases.
1.5% cashback on most other eligible spends
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹999₹999 annual fee before applicable tax.
Joining fee
Cost ₹999₹999 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹999Annual fee may be waived after ₹2,00,000 of eligible annual spending.
Conditions: Reach ₹2,00,000 eligible annual spending
Welcome benefits · 1 item
₹1,000 welcome cashback
Recorded value ₹1,000Cashback under the current application-window welcome offer.
Conditions: Apply from 26 July through 31 December 2026 · Download the HSBC India app and spend ₹25,000 within 30 days
Airport lounge access · 2 items
Domestic lounge access
Usage-based value2 visits per year through Issuer card. Guest access: not specified.
International lounge access
Usage-based value1 visit per year through Issuer card. Guest access: not specified. Fulfilled through the current Visa lounge programme.
Movies and entertainment · 1 item
BookMyShow movie offer
Usage-based · up to ₹3,000Buy one, get one offer up to ₹250, 1 time per month. Valid for eligible Saturday bookings through 30 September 2026, subject to the first 2,000 monthly redemptions.
Travel privileges · 1 item
1GB global travel eSIM plus a published top-up discount
Shown without a cash value
Dining · 1 item
10% accelerated cashback on dining, food delivery, grocery, shopping and utilities (monthly cap applies)
Shown without a cash value
Fuel benefits · 1 item
Fuel benefit: ₹250 quarterly contactless cashback after ₹10,000 qualifying fuel spend through 31 December 2026
Shown without a cash value
Foreign-currency charges · 2 items
Foreign-currency markup
Usage-based value1.99% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Low 1.99% forex markup for a sub-₹1,000 fee card
Shown without a cash value
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Current issuer eligibility applies only in serviceable Indian cities and remains subject to underwriting.
Other categories (7)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗
What stands out
- ✓ 10% accelerated cashback on dining, food delivery, grocery, shopping and utilities (monthly cap applies)
- ✓ 1.5% cashback on most other eligible spends
- ✓ 2 domestic and 1 international airport lounge visit per year
- ✓ Low 1.99% forex markup for a sub-₹1,000 fee card
What to watch
The 10% rate is capped monthly, so once you cross the cap the effective blended rate drops toward the 1.5% base for the rest of the cycle.
Recorded exclusions
Fuel Commute · Rent · Wallet load
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 21 Sept 2026